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20130113
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CSPAN 4
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CSPAN
Jan 14, 2013 7:00am EST
% interest that you're paying on your mortgage. that is a rich interest level in this environment. you have to wonder if the bank isn't holding on to your loan to maintain that high level of interest. i wonder if the might be worth your while to try to go to another bank and not refinance with the same company. it has become a much more difficult circumstances to get a mortgage because the banks are still recovering from all the bad loans that day made during the real estate mania. host: this idea of the debt to income ratio. that was something richard cordray talked-about. this is from american hero joe. explain this issue for us. guest: this goes to the heart of the ability to repay the loan. we do not want people taking on loans that they cannot afford to repay. 43% is the outside level. if your mortgage debt sure other debt -- car loans, credit cards -- exceed 43% of your growth or pre-tax income, then that is too much. that is a loan that is becoming too onerous and you might have trouble repaying. anything below 43% is acceptable as a qualified mortgage. anything above that starts to
CSPAN
Jan 17, 2013 7:00am EST
environments. when it comes to mental health, more money, provided $55 million for new initiative to make sure students get mental treatment. $25 million for state base strategies supporting individuals age 16-25 with mental health or substance abuse issues. another $25 million to offer students mental-health services for trauma or anxiety. $50 million to train 5000 additional mental health professionals serving children and young adults. those are the items the washington post as identified that congressional action would be necessary. as we go throughout the morning, a lot of editorials from this morning's papers. we were reports of those as well. we take your calls and get your thoughts, jeff is a gun owner from missouri. thank you for holding. go ahead. caller: the sun is just coming up here, and it has been up for you a little bit. i wanted to address the. a lot of people -- the point a lot of people forget. the second amendment was put into place to protect people from being observed by a corrupt government. if we do not have some capacity equal to the military, then we do not
CSPAN
Jan 13, 2013 7:00am EST
-span video library. [video clip] >> we are all products of our experience and environment. i have been tempered by the experience about war. what war means, the consequences, who has to fight it. all of that experience is part of me and how i look at policy, how i look at our foreign policy and military policy, how i judge consequences, how the world sees us, their trust in our purpose in power. no question much of the questioning i have done about iraq and was tempered by the experience in vietnam. whenever i will ever do in my life -- whatever i will do in my life, those experiences shaped me, just like anyone who has gone through war. those experiences shape you very much. it makes you less inclined to jump into war. it is easy to get into war, not very easy to get out, as evidenced by the johnson tapes. you need to think through these things. diplomacy is critically important, especially in the complicated world we live in today. i think something else is important here and a lesson we learned from vietnam. what is going to be very important for america is not to isolate ourse
CSPAN
Jan 18, 2013 7:00am EST
is the rule of law and having order and creating an environment where people can thrive because there is that order. but also understanding we live in a globe where we should be the leaders and have to interact. that's where our children's future are is being a part of this global economy. that's not something we can easily avoid,host: galas on the. thank you for waiting. caller: right now i see that new york's services for the mentally ill are being sanitized because of the union's and pensions -- are being sabotages because of the unions and pensions. i just want to know why pensions are being blamed for everything. i pay into my own pension. host: ok. do you have a question, or is that your statement? caller: why are pensions being blamed for the budget problems? host: thank you for the call, gail. guest: i do not think pensions are being blamed, it is just a mathematical reality. when you look at budgets, obligations, there is no doubt that there are some areas and some places where we have overextended our obligations. we have promised to much. with the shift in demographic
Search Results 0 to 3 of about 4